Zoe in Blackburn, Victoria, Australia | Loan service

Zoe

Locality: Blackburn, Victoria, Australia

Phone: +61 438 844 816

Address: BLACKBURN VIC 3130 Blackburn, VIC, Australia

Website: http://www.lendingbynumbers.com.au

Likes: 54

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• Financial service
• Loan service
• Mortgage brokers
• Credit counselling service

25.01.2022 Yes you can video call me Rest up over Easter, assured that banks are still lending money

25.01.2022 1. Weve had a few people worried that the banks are closed and not offering finance this is not the case. The banks are still lending and are there to assist and help wherever they can. 2. Lenders will work with you the most important thing is that you dont miss a payment. If you are worried about meeting your repayments, talk to us as soon as you can. We will help you to get an arrangement in place with the lender, so that you dont default and damage your credit record.

24.01.2022 A great product for peace of mind. I offer this to my clients. I can also refer you to a financial planner for a full review of your situation.

24.01.2022 Remembering one home loan refinance that was so tight ! Like getting a camel through the eye of a needle. We persevered and so did the Lender. So worth it though, 8 months on with the home renovations completed and miscellaneous debts paid off. Value of the home has increased. Much happier client.

24.01.2022 Chances are that at this time of the year and particularly during a global pandemic many of us may face the reality of paying bills, providing for our families and trying to make the most of the festive season. Let us help you crush bad debt so you can enjoy the yuletide and avoid the Christmas debt hangover. 1. Reduce Your Spending...Continue reading

23.01.2022 When you organise a fully assessed pre-approval with a local Mortgage Broker, BEFORE you buy the house, or go to the Auction, it saves a whole lot of drama, you will even find out if you can afford Smashed Avocado Brunches ! Please understand it is not a 5 minute job. In the meantime, budget, and keep paying bills and loans on time to protect your credit score, and credit file. If experiencing hardship, keep communicating with providers.... With determination and commitment you can reach your goal ! Food Credit: Kofi Bean, Croydon

23.01.2022 We are now proud supporters of the Royal Flying Doctors Service ! Who rely on public donations to operate. Operational since 1928

22.01.2022 Still one lot of land for sale in Sugargum Close Yarra Junction First home buyers are building here. Urban feel to country living.

22.01.2022 A budget is telling your money where to go, instead of wondering where it went !

22.01.2022 SMEG Dolce & Gabanna Sicily is my love Kettle $899, from Harvey Norman. Matching toaster not included

21.01.2022 The Adviser Better Business Summit Theme: Customer 2020 Keeping our clients front of mind for successful business.

21.01.2022 So, you never got round to marrying your life partner, then you died in testate (with no written will). Attempts to amicably distribute the estate fail. ... Your patient, caring, kind life partner of 20-30 years, is forced to sell the house, and pay out your kids from your first wife. Lawyers take their cut...: I dont offer wills, plenty of local business do.

21.01.2022 Yes - your banking is essential

19.01.2022 Lots of people are doing it tough for varied reasons at the moment. I hope you come out of this time with your finances in the best shape for your situation. This will require you to prioritise your personal financial administration. Some people are great at this, others are drowning in competing priorities. I encourage everyone to know how much it costs them to live.... Please 1. Keep credit card balances under the limit for at least 3 months. 2. Keep making the home loan repayments on time for at least 6 months 3. Pay out ATO Tax Debt as soon as you can Reach out for help to financial counsellors, financial advisors, your bank, your accountant, your broker. We are all there to do our part. If you want to talk about refinancing, with or without a debt consolidation, and have the will to see it through to the successful settlement, you are welcome to get in touch.

18.01.2022 It is so satisfying, guiding first home buyers through the process of property purchase, and today we have UNCONDITIONAL APPROVAL prior to a planned Auction, which we headed off with prompt action in early stages. Where there is a will there is a way ! Remember that.

18.01.2022 "They shall grow not old, as we that are left grow old; Age shall not weary them, nor the years condemn. At the going down of the sun and in the morning ... We will remember them." Lest we forget

18.01.2022 Real estate is open again !

17.01.2022 Fortuneately none of my clients are with ME Bank. If you are discussing MeBank here is the Adele Furguson article. In my view there is a difference between an offset account and a re-draw account.... I would also ask if ME had noticed a drop in salary, by way of the salary being deposited into an ME account for those people/mortgages they took action on? As a Broker we see both the good side and the bad side of banks. We see the good side and the bad side of clients. This would be the tip of the iceburg. Never a better time to stay on top of your finances. Need my help to crunch some numbers, let me know. https://www.smh.com.au//despicable-me-the-boutique-bank-ra

16.01.2022 Informative comments from the Chief Economist at realestate.com.au Covers inner city apartments and regional areas among a host of other interesting insights. January looks busy !

14.01.2022 Now I have my coffee I may start work

13.01.2022 Im in Yarra Glen Thursday if anyone else is? You can socially distance coffee with me and discuss financial matters. Budget budget budget... Talk, Discuss, Consult, Decide, Action See more

13.01.2022 Money Monday Take an action today, your future self will thank you for.

12.01.2022 Call someone today

12.01.2022 Keep going with Tax submissions

12.01.2022 That satisfied feeling you get when a task has been accomplished. Which one of your life areas needs more attention at the moment ? What action however small can you take in that direction ?

10.01.2022 My keep cup and I are becoming best friends #icedcoffee

09.01.2022 A cold rainy day is a perfect time for reflection and planning, including your finances.

09.01.2022 Im working on car loans and personal loans this week, for employees and self employed people. Always remember the best car loan and personal loan rates go to people with good credit scores and stable financial and employment history. If you are overwhelmed by bills, to protect your future credit score and record, keep communicating with the service providers, if you need to go on hardship, or make a payment arrangement, do that. I have seen a case where the clients credit... file has remained remarkably intact, and no debt collectors called in ! NB... for the self employed people, the best rates depend on declared taxable income being high enough to service your living expenses as well as all your loans, plus the proposed loan, with a buffer.

07.01.2022 Sunday Fun Day The zero is there !

07.01.2022 Celebrating Success Sunday ! I met Helen looking in the window of a real estate agent, we chatted for a bit and she said, I think you are the one to help us get into our first home, and she was right ! Several months later I was so pleased when they got in touch. But enough about me.... These successful home buyers have been determined and courageous in purchasing in this environment and are to be congratulated for their achievement of getting out of the rent cycle ! Yah, I am feeling proud. This is what its all about And yes, I now know the First Home Loan Deposit Scheme (FHLDS) off by heart, thank you Helen Coall !

06.01.2022 In defence of cash. https://apple.news/AnyG7ZXviS9GXRSvAsR2XNQ

06.01.2022 My the spirit of Christmas remain with you through out the year. And let's all prioritise managing our health, finances & relationships

06.01.2022 CONGRATULATIONS to my couragous clients who purchased at Auction, even in these times ! They are so happy to start building equity in property and preparing for retirement

05.01.2022 Sharing The great T. Harv Eker has written a fabulous post about managing our minds and happiness in this time. Work to stay present. If anyone has any concerns about paying their mortgage please get in touch.

05.01.2022 Property settlement dates between Christmas and New Year are not recommended

04.01.2022 Yes I am still open and able to deliver services in a socially distant way, including bank statements link, and full credit check, face time appointments. Lovely spring day today. Some loans take months of preparation as clients work through personal circumstances, not to mention some lenders are taking their time too. So dont hesitate to start the process early.

04.01.2022 2 year fixed rate to 2.29% p.a. for owner occupiers paying principal and interest with LVR up to 80% effective Friday 24 April 2020 Are you wondering if refinancing suits your circumstances ? Let me crunch some numbers for your scenario.

04.01.2022 Home Loan interest rates at 1.99% Could this be you ?Home Loan interest rates at 1.99% Could this be you ?

03.01.2022 My clients have been working towards their home ownership dream for a couple of years now. I have met with them and provided guidance which they have followed exactly. Diligently planning, and saving. They purchased their dream home, off the plan in Chirnside Park a while ago now, and it will settle in September. First job, to plant fig trees along the driveway, just because you can ! Love it - and so healthy too.... Houses are still being bought and sold at this time. Where there is a will there is a way.

03.01.2022 Yes I am accredited with Westpac

03.01.2022 Hi, I hope I find you and your family safe and well. During these unprecedented times, I want to let you know that I am here to help, and I am committed servicing your financial needs as usual to deliver the best outcomes for you.... As the COVID-19 (coronavirus) situation evolves, we are ensuring the safety, health and welfare of our team, our clients and others with whom we interact, by following official Australian Government advice. With the vast array of information available about COVID-19, I encourage you to view the Australian Government Health Department website for the latest and most accurate information. Is this the time to review your finances? Many of us are working from home and spending more of our free time at home too, take advantage of this time to sit down and examine your finances. What are your goals? Are you on track to reach them? What do these economic changes mean for you? Some people will be looking into financial uncertainty. I am available to assist you in managing this. I want to ensure you understand your redraw facilities, offset accounts, your rights in regard to mortgage repayment holidays, applying for financial hardship with your bank, and how you might take advantage of the RBA rate cut. Reach out and book a video or phone call with me this week. Appointments can be done digitally I understand many people in the community are self-isolating, quarantined or practising social distancing. Id like to reassure you that you do not need to leave your home to seek advice or even apply for finance. Please reach out to me and we can find a solution that works for you, whether that be via a video or phone call. My business has technology platforms to enable us to do business efficiently without the need for face to face interaction. I can help you navigate lenders fast-moving policy changes Banks and lenders are quickly making changes to their requirements to adapt to these unique times we find ourselves in. I am in regular communication with banks and lenders so that I can be across these changes and help you navigate them. Im online and available.

03.01.2022 Working from home listening to your favorite music has not been banned : )Working from home listening to your favorite music has not been banned : )

02.01.2022 I'm working on car loans and personal loans this week, for employees and self employed people. Always remember the best car loan and personal loan rates go to people with good credit scores and stable financial and employment history. If you are overwhelmed by bills, to protect your future credit score and record, keep communicating with the service providers, if you need to go on hardship, or make a payment arrangement, do that. I have seen a case where the client's credit... file has remained remarkably intact, and no debt collectors called in ! NB... for the self employed people, the best rates depend on declared taxable income being high enough to service your living expenses as well as all your loans, plus the proposed loan, with a buffer.

02.01.2022 PERSONAL LOANS PERSONAL LOANS I don't generally post about individual lenders. However I wanted you to know, I had some really good chats with Latitude today about personal loans for Cars, New and Used... Work Vehicles Home Renovations Caravans and so forth Debt consolidation Impressive interest rates too. Starting at 6.49% for secured AAA rated (based on your credit score) clients. Any good news is great news at this time !

01.01.2022 INNOVATION - My clients can now supply the required bank statements through a secure link - now that is easy !

01.01.2022 This Budget Save Spend Repeat

01.01.2022 HAPPY FRIDAY ! Brunch meeting with Broker Colleague Discussing the new Building and Renovating $25 K stimulus package. Get in touch if you like to know more 0438 844 816